X FINANCIAL-ADR (XYF) Fundamental Analysis & Valuation

NYSE:XYF • US98372W2026

Current stock price

4.55 USD
+0.24 (+5.57%)
At close:
4.22 USD
-0.33 (-7.25%)
Pre-Market:

This XYF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

8

1. XYF Profitability Analysis

1.1 Basic Checks

  • XYF had positive earnings in the past year.
  • XYF had positive earnings in 4 of the past 5 years.
  • Of the past 5 years XYF 4 years had a positive operating cash flow.
XYF Yearly Net Income VS EBIT VS OCF VS FCFXYF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B -1B 2B 3B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 12.21%, XYF belongs to the top of the industry, outperforming 92.59% of the companies in the same industry.
  • XYF's Return On Equity of 22.61% is fine compared to the rest of the industry. XYF outperforms 72.22% of its industry peers.
  • XYF has a better Return On Invested Capital (29.70%) than 96.30% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for XYF is significantly above the industry average of 9.60%.
  • The 3 year average ROIC (16.93%) for XYF is below the current ROIC(29.70%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 12.21%
ROE 22.61%
ROIC 29.7%
ROA(3y)10.8%
ROA(5y)5.24%
ROE(3y)19.84%
ROE(5y)7.55%
ROIC(3y)16.93%
ROIC(5y)N/A
XYF Yearly ROA, ROE, ROICXYF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

1.3 Margins

  • XYF's Profit Margin of 22.75% is amongst the best of the industry. XYF outperforms 81.48% of its industry peers.
  • In the last couple of years the Profit Margin of XYF has remained more or less at the same level.
  • XYF has a better Operating Margin (58.58%) than 100.00% of its industry peers.
  • In the last couple of years the Operating Margin of XYF has grown nicely.
  • With a decent Gross Margin value of 75.20%, XYF is doing good in the industry, outperforming 66.67% of the companies in the same industry.
  • In the last couple of years the Gross Margin of XYF has grown nicely.
Industry RankSector Rank
OM 58.58%
PM (TTM) 22.75%
GM 75.2%
OM growth 3Y17.63%
OM growth 5Y17.46%
PM growth 3Y4.84%
PM growth 5Y0.9%
GM growth 3Y15.35%
GM growth 5Y8.39%
XYF Yearly Profit, Operating, Gross MarginsXYF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60

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4

2. XYF Health Analysis

2.1 Basic Checks

  • XYF has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
  • XYF has a better debt/assets ratio than last year.
XYF Yearly Shares OutstandingXYF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M
XYF Yearly Total Debt VS Total AssetsXYF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • An Altman-Z score of 2.32 indicates that XYF is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • With an excellent Altman-Z score value of 2.32, XYF belongs to the best of the industry, outperforming 81.48% of the companies in the same industry.
  • A Debt/Equity ratio of 0.50 indicates that XYF is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.50, XYF is in the better half of the industry, outperforming 72.22% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.5
Debt/FCF N/A
Altman-Z 2.32
ROIC/WACC23.2
WACC1.28%
XYF Yearly LT Debt VS Equity VS FCFXYF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B

2.3 Liquidity

  • A Current Ratio of 1.47 indicates that XYF should not have too much problems paying its short term obligations.
  • XYF has a Current ratio (1.47) which is comparable to the rest of the industry.
  • A Quick Ratio of 1.47 indicates that XYF should not have too much problems paying its short term obligations.
  • The Quick ratio of XYF (1.47) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.47
Quick Ratio 1.47
XYF Yearly Current Assets VS Current LiabilitesXYF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. XYF Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 49.19% over the past year.
  • XYF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.75% yearly.
  • XYF shows a strong growth in Revenue. In the last year, the Revenue has grown by 47.14%.
  • XYF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.71% yearly.
EPS 1Y (TTM)49.19%
EPS 3Y28.92%
EPS 5Y16.75%
EPS Q2Q%29.95%
Revenue 1Y (TTM)47.14%
Revenue growth 3Y17.43%
Revenue growth 5Y13.71%
Sales Q2Q%23.92%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
XYF Yearly Revenue VS EstimatesXYF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B
XYF Yearly EPS VS EstimatesXYF Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 0.5 1 1.5 2 2.5

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4

4. XYF Valuation Analysis

4.1 Price/Earnings Ratio

  • XYF is valuated cheaply with a Price/Earnings ratio of 0.77.
  • XYF's Price/Earnings ratio is rather cheap when compared to the industry. XYF is cheaper than 100.00% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.18, XYF is valued rather cheaply.
Industry RankSector Rank
PE 0.77
Fwd PE N/A
XYF Price Earnings VS Forward Price EarningsXYF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • XYF's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. XYF is cheaper than 90.74% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 1.03
XYF Per share dataXYF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • XYF has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.05
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. XYF Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 14.12%, XYF is a good candidate for dividend investing.
  • The stock price of XYF dropped by -25.53% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
  • XYF's Dividend Yield is rather good when compared to the industry average which is at 3.23. XYF pays more dividend than 98.15% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, XYF pays a better dividend.
Industry RankSector Rank
Dividend Yield 14.12%

5.2 History

  • XYF has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
XYF Yearly Dividends per shareXYF Yearly Dividends per shareYearly Dividends per share 2019 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
XYF Yearly Income VS Free CF VS DividendXYF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M -500M 1B -1B 1.5B

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XYF Fundamentals: All Metrics, Ratios and Statistics

X FINANCIAL-ADR

NYSE:XYF (4/13/2026, 8:04:00 PM)

Premarket: 4.22 -0.33 (-7.25%)

4.55

+0.24 (+5.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-25
Earnings (Next)N/A
Inst Owners9.57%
Inst Owner Change0%
Ins Owners4.53%
Ins Owner Change0%
Market Cap192.05M
Revenue(TTM)7.88B
Net Income(TTM)1.79B
Analysts45
Price TargetN/A
Short Float %4.11%
Short Ratio0.77
Dividend
Industry RankSector Rank
Dividend Yield 14.12%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date04-30
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 0.77
Fwd PE N/A
P/S 0.17
P/FCF N/A
P/OCF N/A
P/B 0.17
P/tB 0.17
EV/EBITDA 1.03
EPS(TTM)5.9
EY129.67%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS27.33
BVpS27.49
TBVpS27.36
PEG (NY)N/A
PEG (5Y)0.05
Graham Number60.41
Profitability
Industry RankSector Rank
ROA 12.21%
ROE 22.61%
ROCE 38.69%
ROIC 29.7%
ROICexc 29.7%
ROICexgc 29.93%
OM 58.58%
PM (TTM) 22.75%
GM 75.2%
FCFM N/A
ROA(3y)10.8%
ROA(5y)5.24%
ROE(3y)19.84%
ROE(5y)7.55%
ROIC(3y)16.93%
ROIC(5y)N/A
ROICexc(3y)18.79%
ROICexc(5y)N/A
ROICexgc(3y)18.94%
ROICexgc(5y)N/A
ROCE(3y)21.77%
ROCE(5y)N/A
ROICexgc growth 3Y18.75%
ROICexgc growth 5Y4.96%
ROICexc growth 3Y18.81%
ROICexc growth 5Y10.59%
OM growth 3Y17.63%
OM growth 5Y17.46%
PM growth 3Y4.84%
PM growth 5Y0.9%
GM growth 3Y15.35%
GM growth 5Y8.39%
F-ScoreN/A
Asset Turnover0.54
Health
Industry RankSector Rank
Debt/Equity 0.5
Debt/FCF N/A
Debt/EBITDA 0.86
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.47
Quick Ratio 1.47
Altman-Z 2.32
F-ScoreN/A
WACC1.28%
ROIC/WACC23.2
Cap/Depr(3y)149.88%
Cap/Depr(5y)105.37%
Cap/Sales(3y)0.2%
Cap/Sales(5y)0.18%
Profit Quality(3y)68.3%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)49.19%
EPS 3Y28.92%
EPS 5Y16.75%
EPS Q2Q%29.95%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)47.14%
Revenue growth 3Y17.43%
Revenue growth 5Y13.71%
Sales Q2Q%23.92%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y72.17%
EBIT growth 3Y38.13%
EBIT growth 5Y33.57%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y87.32%
FCF growth 3Y50.07%
FCF growth 5Y20.85%
OCF growth 1Y87.12%
OCF growth 3Y50.24%
OCF growth 5Y20.46%

X FINANCIAL-ADR / XYF Fundamental Analysis FAQ

What is the ChartMill fundamental rating of X FINANCIAL-ADR (XYF) stock?

ChartMill assigns a fundamental rating of 5 / 10 to XYF.


What is the valuation status of X FINANCIAL-ADR (XYF) stock?

ChartMill assigns a valuation rating of 4 / 10 to X FINANCIAL-ADR (XYF). This can be considered as Fairly Valued.


What is the profitability of XYF stock?

X FINANCIAL-ADR (XYF) has a profitability rating of 8 / 10.


What is the valuation of X FINANCIAL-ADR based on its PE and PB ratios?

The Price/Earnings (PE) ratio for X FINANCIAL-ADR (XYF) is 0.77 and the Price/Book (PB) ratio is 0.17.